Income Planning

Determining the right mix of investments and assets to meet your retirement income needs is a highly personal process.

Many people are wrongly led to believe that a magic number or rule of thumb exists to determine a “safe” or comfortable spending rate. We often see a “4% withdrawal rate” tossed about by the financial media. The danger with following a one-size-fits-all approach is that you run the risk of outliving your income needs by withdrawing too much too soon. And if that is not a concern, taxes probably are.

How much YOU will need or should plan to spend to meet your lifestyle goals depends on your unique situation and objectives. At CBI we sit down with you to listen and fully understand your needs, goals, lifestyle preferences, health situation, risk tolerance and many other factors before making recommendations.

All of these considerations are critical components of a more comprehensive financial plan designed specifically for you. Our goal is to help make your vision of retirement possible, guiding you along the way toward a comfortable and confident retirement.